Small business owners should focus the majority of their efforts on sales and service. Being good at both usually results in growth. Growth usually taps cash flow, and lack of working capital can slow or stop growth substantially. Working Capital loans can allow small business owners to grow, and often at an exponential rate. And the cost of funds is usually a drop in the bucket when compared to the long-term revenue levels after working capital is no longer needed. And where merchant cash advances can be long-term holes that are hard to dig out of, a micro business loan (working capital loan) can easily be a one-time event, or a source of financing each time the small business is ready to take it to the next level. In that sense, many small business owners use it as a replacement for a traditional “line of credit” as it is rare these days for a bank to do much, if any, business lending.